Steps to Buying a Home

Everyone dreams of buying their first home. With your first home, it can be a very exciting and the nerves can get to everyone. If you know the expectations during the home buying process you will be more at ease during this lengthy process.

Setting a Budget

Before looking for a house, it is important to know how much house you can afford to buy. Costs to consider include the mortgage down payment, normal monthly expenses like cable, heat and utilities, home property taxes and any insurance costs. These will all have to be considered before buying a home as they are typically included with your mortgage statement. Your credit score determines the interest rate, having knowledge of your credit score ahead of time can help you decide if bluing a new home is affordable or now. An individual’s DTI or debt to income ratio must also fall between a certain level in order to achieve loan approval. After determining these things, and if you feel that buying a new home is in your budget, then its time to start the process!

Getting Pre-Qualified

Looking for a new mortgage, be sure to get several quotes from different banks and mortgage lenders. Banks and mortgage companies will offer different loan points or origination fees so shopping around will save you money. It is important to do your due diligence on the loan officer. After speaking to a few loan officers, you will know which one to choose and many have different years of experience which will be obvious over the phone or in person. When locking your rate, go online to make sure your getting the daily rate and its consistent what other banks and mortgage companies are offering. Rates will determine how much a home mortgage will cost monthly.

Finding The Right Home For You And Your Family

Once you have been qualified for a home mortgage, it’s time to locate the home you have always been looking for. First, locate a Real Estate Agent. Not just any Real Estate Agent will do. Make sure you have an expert realtor who has been around for a while and is knowledgeable about the area you are moving to. A well seasoned Realtor often times has seen many of the homes in your area on the market before and can help you spot a potential money pit before you buy it. Ensure that you make a list of needs and wants taking into consideration the amount of bedrooms you will require now and in the future, amenities, location and asking price. Remember, the first home you visit might be beautiful, but you should visit many homes before making a final decision.

Offer A Price

Typically, sellers try to to cushion their final sales price to leave room for negotiation. Buyer’s bid for a lower price, and typically the seller will counter the offer in the middle. Your real estate agent will take in consideration any issues concerning the property and make suggestions on financial compensation toward the sales price in the negotiation. Listen to your real estate agent closely because they do this everyday for a living. The average buyer only buys a home once every 7 years or so. An experienced Realtor will be able to help you negotiate a lower price that sometimes includes more money for closing costs. Their job is to be your advocate in the home buying process.

Home Inspections

Getting a home inspection is a vital part of the home buying process. These inspections ensure that the home’s foundation, ceiling, heating, electrical system, walls, plumbing and entryways are up to certain standards. Sometimes the bank will require a home inspection however; many times they leave it to the buyer to purchase their own. It is extremely important to protect yourself by getting a home inspection right away. You typically have 10 days from an accepted offer to get the home inspected. Many buyers have been saved from disaster by taking the time to spend the extra $200 – $400 to get a home inspection only to find out the house has major problems allowing them to back out of the contract before it is too late.

Home Owners Insurance Is Required

Mortgage Banks and Mortgage Lenders normally require that you purchase homeowner insurance for your new home. Homeowner’s policies will replace the costs to fix any damages that might happen to the home. The cost of how owners insurance is dependent on a home’s age, where the property is located and the home insurance company you choose. Like with the mortgage company be sure to get several quotes.

Closing

Before you can move into your new home, there is a closing process between the buyer and the seller. You must sign all the legal documents to transfer the title into your name and pay any closing costs or down payment that is owed. Once this is complete, the keys to your new house are given to you! You can move into your new home as soon as this is complete.

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926 Bracken Trl Nashville, TN 37214

$179,000 - 2Br/3Ba -  for Sale in Woodland Point, Nashville
New
Price $179,000
Beds 2
Baths 3
Living Area SqFt 1,294
Status Active
MLS # 1922242
Property Type Condo
 

10 N. Hill Nashville, TN 37210

Price $179,000
Beds 3
Baths 1
Living Area SqFt 1,552
Status Active Under Contract
MLS # 1803778
Property Type Residential
 

1614 Elizabeth Rd Nashville, TN 37218

Price $178,500
Beds 3
Baths 2
Living Area SqFt 1,432
Status Active Under Contract
MLS # 1911262
Property Type Residential
 

8199 Coley Davis Rd Nashville, TN 37221

Price $177,500
Beds 2
Baths 2
Living Area SqFt 1,126
Status Active Under Contract
MLS # 1919486
Property Type Condo
 

218 Jenna Lee Cir Madison, TN 37115

Price $176,900
Beds 2
Baths 3
Living Area SqFt 1,160
Status Active
MLS # 1919077
Property Type Condo
 

903 Broadmoor Dr Nashville, TN 37216

Price $175,988
Beds 2
Baths 1
Living Area SqFt 1,204
Status Active
MLS # 1874827
Property Type Residential
 

478 Rural Hill Rd Nashville, TN 37217

Price $175,000
Beds 3
Baths 2
Living Area SqFt 1,051
Status Active Under Contract
MLS # 1859875
Property Type Residential
 

905 Patricia Dr Nashville, TN 37217

Price $175,000
Beds 3
Baths 1
Living Area SqFt 1,537
Status Active Under Contract
MLS # 1908272
Property Type Residential
 

4807 Lickton Pike Whites Creek, TN 37189

Price $175,000
Beds 3
Baths 2
Living Area SqFt 1,820
Status Active
MLS # 1918595
Property Type Residential
 

312 Spence Cir Nashville, TN 37210

Price $175,000
Beds 2
Baths 1
Living Area SqFt 800
Status Active Under Contract
MLS # 1919419
Property Type Residential
 

4926 Rawlings Rd Joelton, TN 37080

Price $175,000
Beds 2
Baths 1
Living Area SqFt 1,425
Status Active Under Contract
MLS # 1920743
Property Type Residential
 

1846 Joy Cir Nashville, TN 37207

Price $175,000
Beds 3
Baths 1
Living Area SqFt 1,333
Status Active Under Contract
MLS # 1920825
Property Type Residential
 

504 Bell Trace Ct Antioch, TN 37013

$175,000 - 2Br/2Ba -  for Sale in Hickory Park Villas, Antioch
New
Price $175,000
Beds 2
Baths 2
Living Area SqFt 1,438
Status Active Under Contract
MLS # 1921488
Property Type Residential
 

1205 Fuller St Old Hickory, TN 37138

Price $174,999
Beds 3
Baths 1
Living Area SqFt 1,000
Status Active Under Contract
MLS # 1910584
Property Type Residential
 

3312c Felicia St Nashville, TN 37209

Price $174,900
Beds 1
Baths 1
Living Area SqFt 975
Status Active
MLS # 1900054
Property Type Residential
 

910 Waggoner Ct E Nashville, TN 37214

$174,800 - 3Br/3Ba -  for Sale in Patio Villa, Nashville
New
Price $174,800
Beds 3
Baths 3
Living Area SqFt 1,496
Status Active
MLS # 1922118
Property Type Residential
 

5025 Hillsboro Pike Apt 15l Nashville, TN 37215

Price $174,500
Beds 1
Baths 1
Living Area SqFt 771
Status Active Under Contract
MLS # 1912191
Property Type Condo
 

2020 Beech Ave Apt D4 Nashville, TN 37204

Price $172,900
Beds 1
Baths 1
Living Area SqFt 625
Status Active Under Contract
MLS # 1898222
Property Type Condo
 

1209 Elliston St Old Hickory, TN 37138

Price $172,500
Beds 2
Baths 2
Living Area SqFt 1,030
Status Active
MLS # 1900161
Property Type Residential
 

1230 Watts Ter Nashville, TN 37209

Price $172,400
Beds 4
Baths 1
Living Area SqFt 1,683
Status Active
MLS # 1906096
Property Type Residential
 

2601d2 Hillsboro Pike Apt D2 Nashville, TN 37212

Price $170,000
Beds 1
Baths 1
Living Area SqFt 600
Status Active
MLS # 1914293
Property Type Condo
 

1905 Isabelle Ln Antioch, TN 37013

Price $170,000
Beds 3
Baths 3
Living Area SqFt 1,780
Status Active Under Contract
MLS # 1907288
Property Type Condo
 

810 Bellevue Rd # 195 Nashville, TN 37221

Price $170,000
Beds 2
Baths 1
Living Area SqFt 912
Status Active Under Contract
MLS # 1917785
Property Type Condo
 

1385 Pleasant Hill Rd Nashville, TN 37214

Price $170,000
Beds 2
Baths 1
Living Area SqFt 1,560
Status Active
MLS # 1913956
Property Type Residential
 

3234 Torbett St Nashville, TN 37209

Price $170,000
Beds 3
Baths 2
Living Area SqFt 1,224
Status Active Under Contract
MLS # 1918895
Property Type Residential
 

4001 Anderson Rd Unit E84 Nashville, TN 37217

Price $169,999
Beds 3
Baths 3
Living Area SqFt 1,904
Status Active
MLS # 1878675
Property Type Condo
 

505 Singer Dr Goodlettsville, TN 37072

Price $169,900
Beds 3
Baths 1
Living Area SqFt 1,100
Status Active Under Contract
MLS # 1909152
Property Type Residential
 

208 Harpers Mill Rd Hermitage, TN 37076

Price $169,900
Beds 3
Baths 3
Living Area SqFt 1,710
Status Active Under Contract
MLS # 1891193
Property Type Condo
 

414 Rosedale Avenue Nashville, TN 37211

Price $169,900
Beds 1
Baths 1
Living Area SqFt 674
Status Active Under Contract
MLS # 1910495
Property Type Condo
 

51 Benzing Rd Antioch, TN 37013

Price $169,900
Beds 3
Baths 2
Living Area SqFt 1,475
Status Active
MLS # 1893161
Property Type Residential
 

1416 Bain Dr Madison, TN 37115

Price $169,900
Beds 5
Baths 2
Living Area SqFt 1,310
Status Active Under Contract
MLS # 1896994
Property Type Residential
 

2303 Farrington Pl Antioch, TN 37013

Price $169,900
Beds 2
Baths 3
Living Area SqFt 1,425
Status Active Under Contract
MLS # 1908313
Property Type Residential
 

1005 Goodbar Dr Nashville, TN 37217

Price $169,900
Beds 2
Baths 1
Living Area SqFt 899
Status Active Under Contract
MLS # 1912612
Property Type Residential
 

4828 Leesa Ann Ln Hermitage, TN 37076

Price $169,900
Beds 3
Baths 2
Living Area SqFt 1,026
Status Active
MLS # 1915525
Property Type Residential
 

3229 Crowe Dr Nashville, TN 37218

Price $169,900
Beds 3
Baths 2
Living Area SqFt 1,070
Status Active
MLS # 1915819
Property Type Residential
 

545 Piccadilly Row Antioch, TN 37013

Price $169,900
Beds 3
Baths 2
Living Area SqFt 1,220
Status Active Under Contract
MLS # 1919631
Property Type Residential
 

7556 W Winchester Dr Antioch, TN 37013

Price $169,900
Beds 2
Baths 2
Living Area SqFt 1,218
Status Active Under Contract
MLS # 1921091
Property Type Residential
 

5208 Dove Trl Hermitage, TN 37076

$169,900 - 3Br/2Ba -  for Sale in Hunters Point, Hermitage
New
Price $169,900
Beds 3
Baths 2
Living Area SqFt 1,120
Status Active Under Contract
MLS # 1921206
Property Type Residential
 

8211 Lenox Creekside Dr Unit 10 Antioch, TN 37013

Price $169,000
Beds 2
Baths 1
Living Area SqFt 1,000
Status Active Under Contract
MLS # 1904444
Property Type Condo
 

1900 Richard Jones Rd Apt C109 Nashville, TN 37215

Price $169,000
Beds 1
Baths 1
Living Area SqFt 625
Status Active Under Contract
MLS # 1908488
Property Type Condo
 

Search For Homes | Search Schools | Find Your Home Value | Locate Your Family’s Lifestyle

This High Tech Website will help you locate and find the Davidson County TN homes for sale you desire. You can start your search by looking through all the Davidson County Homes For Sale By Price. We also provide you with your current home value through our instant home value tool for free, check instant home values by your city, town or even your neighborhood. We understand finding the right home for sale is important to you and your family so we have separated Davidson County TN Zip Codes  to make it easier for you to search in the exact location you want to live. You might be searching for Davidson County Homes By Type. This would include all Davidson County Condos and Davidson County Town Homes. Our site also features all Davidson County Homes By Schools, here you will be able to search all homes for sale by the school year your child is attending, private or public, and it even includes all of the schools contact information for enrollment information.

Davidson County Lifestyle also plays a big role choosing a home for you and your family. Our Team understands this more than most so we have built this entire site to focus around the lifestyle you and your family want to live. We Are Here To Serve YOU!

amanda-cotton4

Amanda Cotton

Amanda entered the real estate industry prepared and focused. Her background as a paralegal gives her the knowledge and expertise needed for understanding and explaining contracts, and confidence in the negotiation process. Aside from the legal background, her love of people, families, and community are the same building blocks for her business. She vows to treat her clients as friends. Your concerns are her concerns. Your worries are her worries. And, most importantly, your dream of homeownership is her business.

There are over 300 steps in a real estate transaction, and with Amanda, you don’t have to worry about a single one. She has you covered. She specializes in first time homebuyers, sellers, and VA and is a multi-million dollar producer. She has won several awards since her career began, and is determined to make your experience the best imaginable.

To Amanda, you aren’t just a closing, you are a friend and she’ll be there from beginning to end.

Awards

2014 EMTAR Silver Award of Excellence Recipient

2015 EMTAR Platinum Award of Excellence Recipient
Remax 100% Club Award Recipient

Testimonials

"Best Agent in the area. Aggressive and will go the extra mile to find you your dream home." ~David

"As you know, becoming a first time home owner isn't the easiest thing in the world.. But Amanda guided us through the whole process and made it feel almost easy! She treats her clients like family and made us feel completely comfortable with us making this huge decision. The market is pretty slim right now, but thanks to Amanda's knowledge and expertise we were able to land the home of our dreams! We can and will recommend her to anyone buying or selling their home." ~Megan

"Very professional and great company. Will recommend to everyone." ~Terry